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The following article was published in our article directory on October 21, 2017.
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Things to Know When Shopping for Car Insurance Online

Article Category: Automotive

Author Name: Van LaVaughn

Purchasing car insurance is more convenient thanks to online auto insurance websites. Nowadays, looking for the best car insurance for you is as easy as buying goods from online stores. To help you go through the process, here are helpful tips to remember:

Have your vehicle and personal information ready
Whether you�re purchasing car insurance from an agent or requesting for a car quote online, you�ll need to provide both personal and vehicle information for the insurer to give the most accurate quote.
Personal Information
Insurers use personal information to help determine your auto policy premium rate. Providing this information facilitates faster processing of price quote requests.
Some information usually required are:
Your address � this helps determine your vehicle�s exposure to risks specific to your area
Your age and gender � this helps indicate your driving experience level and your risk for serious accidents
Your social security number � this is your official identification
Your driver�s license number � this is to ensure that you are a licensed driver.
Vehicle Information
Beyond your personal information, details about the vehicle you wish to insure will be requested too. Some of the information needed are:
Your car�s make, model and VIN (vehicle identification number) number.
Car�s odometer (mileage) reading
Details on security features like GPS anti-theft devices, car alarms, and anti-lock brakes
Your driving history that shows average miles driven in a specific time-period and details on any violations and accidents
Ensure that all information provided are accurate to ensure that the appropriate auto-insurance coverage is quoted for you.

Compare coverages
When thinking of purchasing auto insurance, it�s a good idea to research and learn more about coverages to see what type of assurance you would require for most-likely-to-occur situations. Know also what price range you�re willing to work with.
To know which coverage and how much insurance you need, you first have to review your state�s requirements. Each state has different laws for how much insurance a person must have. Make sure you know the minimum requirement and research on what most people have in your state.
After the minimum requirement is determined, read up on some of the regular coverages that may be offered with your quote:
Liability coverage � this coverage helps pay for bodily injury and property damages from the accident
Collision coverage � this coverage helps pay for car repair for damages done to your car after a collision
Comprehensive coverage � this coverage helps pay for car repairs for damages to your car caused by a collision, theft, fire or vandalism.
Medical Payments coverage � this coverage helps pay for medical expenses incurred by you, your passengers regardless of who�s at fault in the accident
Uninsured/Underinsured motorist coverage � this coverage could help pay for damages caused by an uninsured / underinsured driver

Premiums, Limits, and Deductibles
Premiums
Your car insurance premium is the amount of money that you have to regularly pay for your insurance policy to stay in force. Once an accident happens and a claim is filed, the insurance company should cover the liability as indicated in the policy contract.
Your insurance premium would depend on a variety of things: personal and vehicular information as discussed above and the type of coverage you want.

Car Insurance Limits
Limits refer to the maximum amount that your insurance will pay after an accident. For example, if your coverage limit is $10,000 and your accident ends up costing $13,000, the insurance will cover $10,000 and you need to settle the additional $3,000 that isn�t covered.
The higher the policy limit, the higher auto insurance premium will be.
Car Insurance Deductible
The deductible is the amount that you have to pay out of pocket for a claim before your insurance coverage kicks in.
In the example above, you have a deductible of $1,000. This means that you will have to cash out the first $1,000 and the insurer will cover the $10,000 as provided for in the policy. The remaining $2,000 will have to be settled personally.
Deductibles are reverse of limits in costing. The higher the deductible, the lower the premium payment will be.

These are some of the things you should know when purchasing car insurance. These will help you understand the quotes presented to you. It is still advisable to first compare auto insurance quotes online and have face-to-face meetings with an insurance agent before purchasing a policy. Agents can provide quick answers to any questions you might have on your policy.

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